Personal Loan Rates
Low Rates
Easy Terms
Approval in Minutes
Get to know your loan's rate.
Personal Loans
|
Loan Terms
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APR as low as
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Interest Payment per $1000
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|---|---|---|
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Loan amounts from $500 - $30,000
|
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| 12 - 36 Months | 10.74% | $33 |
| 37 - 48 Months | 11.24% | $26 |
| 49 - 60 Months | 11.49% | $22 |
Certificates
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Maximum Term
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APR
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|---|---|
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Minimum loan is $1,500. Maximum loan amount cannot exceed 90% of Certificate balance
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|
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Certificate Secured
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| Certificate Maturity | Dividend Rate +1.50% |
Share Secured
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Minimum/Maximum Term
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APR
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|---|---|
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Minimum loan is $1,500. Maximum loan amount cannot exceed 100% of available Share (Regular Savings) balance.
|
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| Flexible Term | Dividend Rate +1.50% |
Auto Loans
|
Loan Terms
|
APR as low as
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|---|---|
|
Current and prior model year
Minimum monthly payment $100.00 |
|
| 12 - 36 Months | 5.49% |
| 37 - 48 Months | 5.74% |
| 49 - 60 Months | 5.99% |
| 61 - 72 Months | 6.24% |
| 73 - 84 Months | 6.74% |
| 85 - 96 Months | 7.24% |
|
Prior year and up to 8 model years old
Minimum monthly payment $100.00 |
|
| 12 - 36 Months | 5.49% |
| 37 - 48 Months | 5.74% |
| 49 - 60 Months | 5.99% |
| 61 - 72 Months | 6.24% |
| 73 - 84 Months | 6.74% |
|
9 - 12 model years
Less than 140,000 miles |
|
| 12 - 36 Months | 5.99% |
| 37 - 48 Months | 6.24% |
| 49 - 60 Months | 6.49% |
| 61 - 72 Months | 6.74% |
Certain conditions and restrictions apply; your rate may be higher. Final rate is based on creditworthiness, underwriting criteria, collateral and term of the loan. Not all members will receive the lowest rate. Rate, term and loan amounts are based on approved credit and determined by a managed risk program. Minimum loan amount $2,500. Loan size value $10,000 for terms of 61 months or higher. 84-month terms available on loans of $20,000 or more. Maximum mileage = 140,000. Auto loan payment estimate: on a $45,000, 84-month loan with a 5.99% APR = payments of $657 per month. GAP products not available on loans more than 84 months. 96 month rate available; exclusive to tiers 1, 2, and 3, available on new autos or most recent model years, less than 5000 miles,$40,000 minimum. Rate Discount available for loan-to-value of less than or equal to 80%. Rate increase of 0.50% for vehicle mileage of 140,000 or more. Rates and programs subject to change without notice.
NEW RVs, BOATS, & TRAILERS: Up to $100,000 for up to 120 months.
USED RVs, BOATS, & TRAILERS: Up to $75,000 for up to 120 months.
Loan-to-Value:
- New RV = $100,000 at 100% LTV
- Used RV = $75,000 at 95% LTV
- New Boat/Trailer = $75,000 at 100% LTV
- Used Boat /Trailer = $50,000 at 95% LTV
RVs, Boats, and Trailers
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Loan Term
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APR as low as
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|---|---|
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Current year and up to 10 model years
Minimum monthly payment $100.00 |
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| 12 - 84 Months | 7.25% |
| 85 - 96 Months | 8.25% |
Loan-to-Value:
- New = $30,000 at 100% LTV
- Used = $25,000 at 95% LTV
Motorcycles/ATVs
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Loan Terms
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APR as low as
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|---|---|
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Current year and up to 10 model years
Minimum monthly payment $100.00 |
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| 12 - 48 Months | 6.75% |
| 49 - 60 Months | 7.00% |
| 61 - 72 Months | 8.25% |
Membership is a few steps away.
Start your application today
To submit an application, click Open an Account below. Remember, to qualify for membership, you:
- Are an employee, retiree, or member of one of the Los Angeles County departments, organizations, or companies that we serve.
- Are in the immediate family (spouse, parents, children, siblings, grandparents) or live in the household of a First City member.
- Live, work, worship, or go to school in one of the many communities the credit union serves throughout Los Angeles County, and parts of San Bernardino County.
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First City Credit Union is a nation leading 5-star financial institution with locations across Los Angeles.